2796 CHALLENGER DRIVE, PALM HARBOR, FL, 34683
Active81 days on marketListed May 4, 2026MLS #TB8505103
About this home
2796 CHALLENGER DRIVE
Welcome to this Modern Coastal Oasis !!! Step into this stunningly remodeled 4-bedroom, 2-bathroom, pool home located in a highly sought-after neighborhood just minutes away from Honeymoon beach/Caladesi Island and Pinellas Trails. This beautiful home perfectly captures the essence of modern living, offering the ultimate blend of style, luxury, and convenience. Some of the key features include a sleek, modern design throughout. Every inch in this home has been updated with high-end finishes, clean lines, and an open-concept layout. The gourmet kitchen features contemporary cabinetry, premium stainless-steel appliances, and quartz countertops. The master bathroom is a dream !! The centerpiece is a freestanding soaking tub and the beautiful chandelier. The enormous walk-in shower features frameless glass panels, 24 x 48 porcelain tiles, and a sleek faucet and showerhead. The spacious living area accentuates the high ceilings and the beautifully designed style lighting. The private outdoor area features a newly remodeled pool with pebble tech finish and gorgeous glass tiles. The amazing home is exactly what you have been waiting for… No Flood Insurance Required!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,248
Sqft
0.22 ac
Lot size
2
Garage
1991
Year built
One
Levels
$358
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,192 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,192/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Harbor actives
$358 vs $258
Days on market
81 vs 42 typical
Where $358/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Get to know Palm Harbor. See the full Palm Harbor guide →
The numbers that matter
The Palm Harbor market
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
208 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 115% above the Palm Harbor median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2796 CHALLENGER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$580,000
2796 CHALLENGER DRIVE · same community
4 bd · 2 ba · 2,248 sqft · $258/sqft · 71 DOM
Sold · Dec ’25$710,775
2732 RESNIK CIRCLE E · same community
3 bd · 2 ba · 2,226 sqft · $319/sqft · 66 DOM
Sold · Feb ’26$835,000
2825 RESNIK CIRCLE E · same community
3 bd · 2 ba · 2,102 sqft · $397/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2796 CHALLENGER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2796 CHALLENGER DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2796 CHALLENGER DRIVE FAQs
What would the monthly payment be for 2796 CHALLENGER DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,192/mo — principal and interest, the actual property-tax bill, the $85/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2796 CHALLENGER DRIVE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2796 CHALLENGER DRIVE?+
The most recent tax bill on record (2025) was $3,622. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2796 CHALLENGER DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $805,000, this home is listed about 115% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$805,000 runs 115% above the Palm Harbor median — but at 2,248 sqft it's also 54% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $869,900, now $805,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Nely Santana. MLS #TB8505103.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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